No Load Term Life Insurance

Traditional No Load Term Life Insurance policies carry expenses that are built into premiums and used to cover everything from agent commissions and bonuses to advertising and marketing costs. Often the "loads" consume most or all of the money you pay in premiums in the first and second year of your life insurance policy.

There is a little known way to get around paying high expenses or "loads". You can buy "no-load" or more appropriately "low-load" life insurance. A low-load policy has fewer expenses, which means lower premiums in most cases.

The problem with no-load insurance is that not everyone is aware the option is available. And many who do know may think it sounds "too good to be true." It's not.

How can you buy a no-load life insurance policy? Directly from companies that offer them.

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